Some phone have max capacity allowed on the phone, say like 4G, that means that if you put 8G in it, it won't work, max is 4G, not more than that.
If you have memory card inside your phone and you have application, games, pictures, musics and data on it, it'll affect the speed of your computer DEPENDS on how big the memory card capacity and how much memory is left on it.
The more data you have, the slower the phone, but only while accessing on what's on the memory card. So, if you already used up like 70% of your memory card, you phone will get slower.
The bigger your memory card is, the slower the phone will get. So, 75% of 512MB will be faster compare to 75% of 2G memory card.
Hope it helps.
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